JIL The Payment Integrity Network

The Payment Integrity Network
for Institutional Finance

A 111-check Verdict Engine across 15 signal categories covering Fraud + Waste + Error + Abuse (FWEA) in under 2 seconds. The only unified FWEA coverage engine in production - returning a cryptographically anchored Yes, No, or Review verdict across ACH, FedNow, RTP, SWIFT, SEPA, UK FPS, PIX, UPI, insurance, healthcare, and digital asset corridors.

Yes - Attest and Proceed
No - Reject with Documented Reason
Review - Hold with Full Explanation
New - Investigation Engine
We run the entire investigation. You just send the records. 100 million payments in 10 to 20 minutes. 28 identity dimensions. Date-anchored, cryptographically sealed findings for federal investigative referral and False Claims Act proceedings. Explore
🇨🇭 Switzerland 🇦🇪 United Arab Emirates 🇸🇬 Singapore 🇺🇸 United States
© 2026 JIL Sovereign Technologies, Inc. All rights reserved. Patents pending. Confidential.
Executive Overview

Verification before settlement. Not after.

JIL Sovereign is the provenance-aware settlement intelligence layer for regulated financial institutions and enterprises - verifying identity, evaluating payment origin, enforcing compliance, and attesting to settlement conditions before and after value moves. JIL does not process or authorize payments. It attests to them.

Every payment instruction submitted to JIL is evaluated against verified counterparty credentials, policy corridor rules, sanctions screening, payment-origin verification, and behavioral pattern data. The result is a structured verdict returned before any funds move - with post-receipt provenance attestation and a cryptographic proof event recorded on the immutable ledger regardless of outcome.

JIL operates at the most valuable points in finance: identity verification before settlement, and provenance attestation after funds arrive.
What JIL Provides
  • Identity validation - verify every counterparty, provider, and beneficiary before settlement
  • Payment origin verification - evaluate source account, institution, funding path, and rail admissibility
  • Fraud detection - identify suspicious patterns, duplicates, layering, and anomalies in real time
  • Compliance verification - enforce process corridors, sanctions, and regulatory requirements automatically
  • Immutable proof - tamper-resistant cryptographic evidence for every verdict, every time
  • Regulatory alignment - designed for licensed and regulated environments from the ground up
Key Distinction
  • Traditional systems verify balances and route payments
  • JIL verifies legitimacy - confirms the transaction itself is valid
  • Before settlement - not weeks later through manual reconciliation
  • Portable proof - evidence travels with the transaction
  • Bi-directional - verifies before funds move and proves what arrived after settlement
The Problem

Every institution loses 3-8% of payment volume to FWEA.

Every institution loses 3-8% of annual payment volume to Fraud, Waste, Error, and Abuse. Most never measure it systematically. Traditional solutions cover one pillar at best. No engine unifies all four.

Fraud
0.5 - 2.5%
BEC, wire misdirection, synthetic identity, pig butchering, voice deepfake, check fraud
Waste
2 - 6%
Duplicate payments, overpayments, stale invoices, inefficient routing, corridor misuse - the largest pillar and least measured
Error
0.3 - 1.2%
Wrong amount, wrong account, wrong currency, misapplied policy, IBAN/BIC validation failure
Abuse
0.2 - 1.0%
Policy circumvention, structuring, kickbacks, insider misuse, bust-out fraud, TBML, chargeback abuse
Combined FWEA Exposure
The US payment system alone exceeds $300 billion annually in combined FWEA exposure. Global exposure crosses into the trillions. Every other solution covers at most one pillar. JIL is the only unified FWEA coverage engine in production.

What Payment Networks Verify Today

/ Account balances - sufficient funds available
/ Payment routing - correct destination path
/ Settlement clearing - transaction processed

What They Rarely Verify Before Settlement

+ Identity authenticity - is the recipient who they claim to be?
+ Fraud indicators - does this instruction match established patterns?
+ Compliance requirements - are regulatory rules met before release?
+ Documentation completeness - is the claimed service supported by evidence?
Why Existing Infrastructure Fails

Multiple layers. None verify before settlement.

Current financial infrastructure is fragmented across payment networks, banking settlement, and digital asset rails. Each performs a role. None provide pre-settlement identity attestation or legitimacy verification.

💳
Payment Networks
Visa and Mastercard route card transactions and manage chargeback workflows. Fraud detection is post-settlement. The chargeback mechanism exists because no cryptographically attested settlement record is created at the time of payment.
$117.5B chargeback losses annually
🏦
Banking Settlement
SWIFT validates message format and routing codes - not cryptographic beneficiary integrity. ACH and wire payments clear before identity is confirmed. Business Email Compromise exploits this gap every day.
$2.9B BEC losses per year (FBI IC3)
⛓
Digital Asset Networks
DLT protocols confirm block inclusion, not compliance or beneficiary identity. Stablecoins move without verifying recipient identity or enforcing jurisdiction rules. Compliance is bolted on after the fact.
$4.3B+ sanctions fines globally
⚕
Healthcare / Medicare / Medicaid
CMS and state Medicaid programs pay first and audit later. 79% of Medicaid improper payments in FY2024 resulted from missing or insufficient documentation. The documentation gate does not exist before settlement. Recovery averages pennies on the dollar.
$87.1B CMS improper payments FY2024
🏛
Government Entitlements
$162B+ in federal improper payments FY2024. No entitlement program verifies recipient eligibility in real time before each disbursement. Death record matching runs on a lag. SSA paid $4.6B to deceased individuals over a recent multi-year period. Batch eligibility checks cannot match the speed of modern payment rails.
$162B+ federal improper payments (GAO FY2024)
📃
Non-Medical Insurance (P&C / Auto / WC / Life)
Carriers release claim payments based on submitted documentation without pre-settlement verification that the contractor is credentialed, the claimant is eligible, or the payment instruction has not been redirected. Ghost contractors and post-disaster fraud rings exploit this gap. SIU finds the fraud after the money is gone.
$221.5B annual fraud (CAIF 2024)
⚖
Legal / Asset Investigation
Asset discovery relies on voluntary disclosure and document subpoena - both controllable by the opposing party. By the time discovery is complete, assets have moved. Forensic accountants find patterns; they cannot produce cryptographic proof of what happened and when. Divorce, bankruptcy, and corporate disputes have no pre-settlement integrity layer.
$3B+ forensic investigation market; fragmented tooling
The Missing Layer
No unified pre-settlement attestation layer exists for digital assets, stablecoins, fiat, insurance, or healthcare payments. Compliance is bolted on after settlement - not enforced before. Every institution builds its own verification stack from scratch. JIL Sovereign was built to unify it.
The JIL Solution

The only unified FWEA coverage engine in production.

111 checks across 15 signal categories, executed in under 2 seconds. One verdict covering Fraud + Waste + Error + Abuse - not a fraud-only point tool. Every payment routed through JIL returns a cryptographically anchored Yes / No / Review with an explainable signal trail across all four FWEA pillars.

Step 1
Instruction Submitted
Institution / Enterprise API
Step 2
Verify Identity
Counterparty credentials registry
Step 3
Enforce Process
Corridors, sanctions, compliance rules
Step 4
Detect Anomalies
Duplicates, out-of-pattern, behavioral flags
Step 5
Verdict Issued
Yes / No / Review
Step 6
Proof Recorded
Immutable on-chain attestation
Three Core Components
  • Settlement Intelligence Layer - Identity verification, payment-origin evaluation, compliance screening, sanctions checks, and fraud detection evaluated before settlement is attested
  • Attestation Engine (ATCE) - Issues Yes / No / Review verdicts, enforces process corridors, evaluates provenance post-receipt, monitors risk in real time, generates cryptographic settlement receipts
  • Unified Ledger (JIL-5600) - Records every verdict with deterministic finality, audit-ready attestation, and immutable proof via custom Rust engine at 5,600 TPS
What JIL Does Not Do
  • Does not custody funds - users hold their own keys
  • Does not move money - existing rails handle value transfer
  • Does not replace banks - works with banks, not around them
  • Does not require token conversion - fiat-native, no asset dependency
Same mechanism. Every corridor.
Whether the instruction is a cross-border wire, a Medicare provider reimbursement, an insurance claims disbursement, or a credit card merchant settlement - the attestation verdict is always issued before funds move, and provenance is evaluated after funds arrive.
Vertical Callouts

You do not need all 111 checks. You need the ones that solve your problem.

A regional bank protecting against BEC wire fraud runs 6 checks. A Medicaid MCO protecting against improper provider payments runs 7. A P&C carrier containing post-disaster fraud runs 8. A state entitlement agency stopping payments to deceased and ineligible recipients runs 10. Scoped to your exposure. Live in weeks.

⚕
Healthcare / Medicare / Medicaid
$87.1B in improper payments. FY2024. Eighth consecutive year.
Before any provider payment releases, JIL verifies:
  • Provider NPI enrollment - active on the payment date
  • OIG exclusion - date-anchored
  • License status on the date of service
  • Duplicate claims across payers
  • Billing corridor consistency
  • Address and service area plausibility
  • Documentation existence and binding
7 checks. Avg go-live implementation < 6 weeks.
ROI: Investigation Engine on 200M historical records - $1M-$2M cost, $90M-$150M recoverable. 45-150x ROI.
🏦
Banking / Wire / ACH / BEC
$2.9B in BEC losses annually. Recovery below 18%.
Before any wire or ACH releases, JIL confirms:
  • Destination account belongs to the named counterparty
  • No recent account change matching BEC patterns
  • Payment amount and timing consistent with this relationship
  • BEC domain screening on instruction source
  • Instruction provenance hashed at submission
  • Duplicate instruction detection across rails
6 checks. Avg go-live implementation < 6 weeks.
ROI: On a $500M wire book, 80% BEC prevention = ~$650K net benefit year one after engagement cost.
📃
Non-Medical Insurance Fraud
$221.5B annually. 1 in 5 claims fraudulent.
Before any claims disbursement releases, JIL verifies:
  • Contractor credentialed and licensed on the date of work
  • Documentation bound to claim before Yes verdict
  • Claim amount within corridor norms
  • Cross-carrier duplicate detection
  • Post-disaster surge anomaly containment
  • BEC account substitution blocked
  • UBO and entity verification on contractor
  • License and certification status on date of service
8 checks. Avg go-live implementation < 6 weeks.
ROI: At 10% fraud detection on $1B disbursement - $20M prevented on ~$3.5M engagement cost. Net benefit: ~$16.5M annually.
🏛
Government Entitlements
$162B in federal improper payments. FY2024. $4.6B to deceased individuals.
Before any entitlement payment releases, JIL verifies:
  • Recipient is alive as of the payment date
  • Address exists, is occupied, and matches benefit type
  • Address tenure consistent with claimed residency
  • No duplicate enrollment in another jurisdiction
  • Household composition plausibility
  • Income and asset consistency
  • Provider licensed and within capacity
  • Citizenship and DHS SAVE eligibility
  • Voter registration cross-reference
  • Spousal and survivor benefit eligibility
10 checks. Avg go-live implementation < 6 weeks.
ROI: Investigation Engine on 40M historical records - $200K-$400K cost, $80M-$160M recoverable. 200-800x ROI. Revenue-share available - zero upfront.
⚖
Legal / Asset Investigation
Hidden assets in HNW divorce, bankruptcy, and commercial disputes. Traditional forensic work: months, contestable methodology, opaque findings.
Before any disclosure is accepted at face value, JIL traces:
  • Hidden cryptocurrency and digital asset holdings
  • Pre-proceeding asset movement with timing analysis
  • UBO and beneficial ownership graph across jurisdictions
  • Connected-party payment tracing
  • Rapid post-receipt asset movement
  • DeFi positions and vault detection
  • Income and asset consistency scoring
  • Date-anchored entity status
8 checks. Avg go-live implementation < 6 weeks.
ROI: Engagement $25K-$75K. Typical finding value in contested high-net-worth proceedings: $500K-$10M+. Post-quantum cryptographic proof, independently reproducible, survives court scrutiny.
Why Now

The shift from "nice to verify" to "required to verify."

🏢
Institutional Adoption
BlackRock, Fidelity, and JPMorgan are tokenizing assets. They need policy and settlement attestation infrastructure that meets their compliance standards - not DeFi rails. Institutional capital demands institutional-grade verification.
💲
Stablecoin Expansion
$2T stablecoin market projected by 2028. GENIUS Act (signed July 2025) established the first federal stablecoin framework - now in effect. Every stablecoin transaction touching a regulated institution requires a compliant verification layer. JIL is purpose-built for this requirement.
🌎
Cross-Border Demand
$156T+ annual cross-border flows. Current infrastructure takes 2-5 days with no verification. Institutions demand real-time, auditable settlement with cryptographic proof. ISO 20022 SWIFT migration is now mandatory and in effect since November 2025.
📜
Regulatory Mandates
MiCA (enforced June 2025), DORA (enforced January 2025), GENIUS Act (signed July 2025), Travel Rule expansion, NACHA ACH fraud monitoring mandates (2026) - all now active. Global legislation requires the verification capabilities JIL was designed to provide. The compliance window has closed.
🛡
Fraud Prevention Imperative
$646B+ in documented annual fraud losses across six institutional verticals. $135B+ in unrecovered COVID-era fraud with FCA statute of limitations on 2020 payments beginning to close 2026-2030. Active federal fraud recovery imperative at highest point in decades. Every month of inaction is permanently unrecoverable.
Institutions that cannot prove compliance at the verification layer will lose market access. JIL was designed for this moment.
Why JIL Wins

Not adapted for institutional settlement. Designed for it.

⚡
111-Check Verdict Engine
111 checks across 15 signal categories (69 FWEA + 42 WIE wallet signals) covering the full FWEA spectrum in under 2 seconds. Includes 14 new extended checks: pig butchering detection, AI voice deepfake, Fraud-as-a-Service intelligence, DPAN wallet provisioning, Magecart, real estate wire protection, TBML, bust-out credit fraud, CBDC attestation, ZKP proofs, adversarial ML drift, HNDL quantum-safe TLS, XAI explanations.
🛡
18 International Rail Checks
SEPA, UK FPS PSR, PIX, UPI, SWIFT gpi, CIPS, NPP, MiCA, DORA, FCA, FATF Travel Rule, IBAN MOD-97, correspondent chain, FATF typology, Egmont FIU, BIS CPMI, cross-border velocity, hub routing. Native coverage across every major international payment rail, not just US ACH/wire.
💻
JIL-5600 Ledger
Custom Rust settlement engine. Under 2 second latency. 5,600 TPS sustained. Deterministic cryptographic receipts at every step. 190+ microservices independently certified at 98.01% pass rate across 1.04M test executions.
✅
Deterministic Finality
Every settlement produces a cryptographic proof event. Audit-ready at the moment of verdict - not reconstructed later. Immutable attestation ledger replaces expensive post-payment record reconstruction.
📊
Verdict Engine Pricing
Live settlement attestation at 35-90 basis points per settlement event, negotiated by attestation scope, corridor, and volume, with a $1 minimum floor. Retroactive validation starting at 5 bps per record, scope and volume priced per engagement - revenue-share available: 10% of recovery, zero upfront. Implementation $25K-$75K one-time, 2-6 weeks.
🤖
SentinelAI Monitoring
AI-driven fleet-wide operational intelligence. Continuous self-auditing at the protocol level. Regulators get real-time visibility. Automatic failover and recovery. Geographic redundancy across 13 compliance-zoned jurisdictions.
vs. Existing Infrastructure
Infrastructure Core Limitation JIL Advantage
SWIFT2-5 day settlement, no verificationReal-time attestation + beneficiary binding + provenance
Visa / MastercardPost-settlement fraud detectionPre-settlement identity + post-receipt provenance
CLS / DTCCCentralized, limited transparencyDistributed, neutral, portable proof + funding-path tracing
Insurance CarriersPay and chase - no pre-settlement gateContractor credentialing + SDV binding
Medicare / Medicaid7.66% improper payment rateProvider enrollment + doc tokenization
Defensive IP
  • 48 Patents Pending (10 independent + 38 dependent)
  • Settlement architecture - core protocol design
  • Identity verification systems - pre-settlement attestation
  • Validator governance - consensus and coordination
  • AI monitoring infrastructure - SentinelAI
The Settlement Layer Problem

65-80% of all fraud is preventable at the settlement layer.

No single published study has framed this question until now. The data exists across sector reports, federal audits, and card network research. When you assemble it, the conclusion is consistent: most documented fraud succeeds not because detection failed, but because no pre-settlement attestation gate existed.

Banking
$30B+
~100% settlement-layer attributable
Why: BEC, wire fraud, and check fraud all exploit the same gap - payment instructions clear based on message format, not cryptographic beneficiary identity. If the beneficiary is cryptographically bound before settlement, BEC structurally cannot succeed.
  • 63% of organizations cite BEC as primary fraud vector (AFP 2025)
  • Wire transfers now top target in BEC scams, surpassing ACH
  • Average fraud recovery rate: 18% - prevention is the only defense
Medical Insurance
$87.1B
~100% settlement-layer attributable
Why: CMS reports that 79% of Medicaid improper payments in 2024 were caused by missing or insufficient documentation. The payment cleared without verification - not because fraud was cleverly concealed, but because the documentation gate does not exist before settlement.
  • 79% of Medicaid improper payments: documentation gap (CMS FY2024)
  • Remaining 21%: unenrolled providers, wrong amounts - also attestation-preventable
  • GAO: 100+ recommendations to CMS remain unimplemented including pre-payment review
Non-Medical Insurance
$221.5B
~85-90% settlement-layer attributable
Why: Ghost contractors, staged claims, and post-disaster fraud rings all succeed because the payment clears before counterparty identity and claim documentation are independently verified. The remaining 10-15% involves upstream deception that predates the payment instruction.
  • 63% of fraud professionals: fraudsters exploit post-disaster claim surges (FRISS 2024)
  • 10% of all P&C claims paid are fraudulent - before any audit occurs
  • No pre-settlement contractor credentialing exists in current carrier systems
Credit Card / Payments
$145.6B
~70% settlement-layer attributable
Why: Major card networks estimate 70% of chargebacks are fraudulent misuse rather than legitimate consumer protection. The chargeback mechanism exists because settlement is reversible. Visa's own pilot showed 54% of fraud slipped through existing sophisticated detection systems.
  • 70% of chargebacks: fraudulent misuse, not legitimate disputes (Visa, Mastercard)
  • Visa pilot: 54% of fraud passed through existing bank and PSP fraud systems
  • Dispute rates spiked 78% YoY in Q3 2024 - post-settlement recovery failing
Government Entitlements
$162B+
~85% settlement-layer attributable
Why: No entitlement program verifies recipient eligibility in real time before each disbursement. Death record matching, address validation, and cross-state duplicate detection all run on batch cycles - payments continue until manual resolution, sometimes months later. $162B+ in total federal improper payments FY2024.
  • $4.6B paid to deceased recipients (SSA OIG) - batch lag, not clever concealment
  • Medicare $87.1B, Medicaid $31.1B+ - provider enrollment gaps, documentation missing
  • SSI/SSDI, SNAP, HUD, TANF, CCDF, VA, UI - all attestation-preventable
Legal / Asset Investigation
$3B+
Fragmented forensic market
Why: Traditional asset discovery relies on voluntary disclosure and subpoena - both controllable by the opposing party. Hidden crypto, UBO networks, and DeFi positions are invisible to standard forensic accounting. No cryptographic proof layer exists for contested proceedings - human expert testimony is cross-examinable and opaque to opposing counsel.
  • 20% of HNW divorce cases involve undisclosed crypto holdings (industry estimate)
  • Bankruptcy fraudulent conveyance: multi-billion-dollar clawback exposure annually
  • Typical HNW engagement: $25K-$75K cost, $500K-$10M+ finding value
Fraud Analysis

Settlement-layer attributable fraud by sector.

Attribution by Sector
Banking (BEC / Wire / Check)
~100%
$30B+
Medical Insurance (CMS)
~100%
$87.1B
Non-Medical Insurance
~85-90%
$221.5B
Credit Card / Payments
~70%
$145.6B
Government Entitlements
~85%
$162B+
Blended Estimate
65-80% of the $646B+ in documented annual fraud exposure across the six institutional verticals (Banking, Medical Insurance, Non-Medical Insurance, Credit Card, Government Entitlements) is directly attributable to the absence of a pre-settlement attestation layer. It is structural, not incidental - and it is addressable at the protocol level. The Legal / Asset Investigation vertical is additive: a fragmented forensic market where JIL's post-quantum sealed findings replace contestable human expert testimony.
Fraud Prevented vs. Remaining Exposure
Sector Total Exposure Preventable at Settlement Preventable $
Banking $30B+ ~100% $30B+
Medical Insurance $87.1B ~100% $87.1B
Non-Medical Insurance $221.5B ~87% ~$193B
Credit Card / Payments $145.6B ~70% ~$102B
Government Entitlements $162B+ ~85% ~$138B
Combined $646B+ ~65-80% $470B-$520B
Why Detection Has Failed
A Visa pilot found 54% of fraudulent transactions had already passed through sophisticated bank and PSP fraud systems before being caught by a second layer. Fraud losses are growing faster than detection improves. Real-time payments are narrowing the recovery window to zero. The architecture must change - and the only structural change is moving the verification gate to before settlement.
Sources: CMS HHS Agency Financial Report FY2024; AFP 2025 Payments Fraud and Control Survey; Mastercard 2024 Chargeback Field Report; Visa Payment Fraud Guide 2025; FRISS Insurance Fraud Report 2024; Coalition Against Insurance Fraud 2024; GAO FY2024.
Market Opportunity

Every payment from every institution is a potential FWEA target.

Combined FWEA exposure across six institutional verticals exceeds $646 billion annually. The 4-year federal payment universe is $10.648T with $629.9B in documented improper payments. Retroactive audit TAM: $2.0B-$4.1B in JIL gross fees.

Payment Integrity TAM
$1.2T+
Institutional payment integrity, compliance, and cross-border infrastructure market
US FWEA Exposure
$646B+
Combined annual FWEA exposure across six institutional verticals (CAIF, CMS, GAO, ABA, Nilson)
Retroactive Audit TAM
$10.648T
4-year federal payment universe (FY2021-2024). $629.9B documented improper payments. JIL gross fees: $2.0B-$4.1B
Tokenized Assets by 2030
$16T
BCG / BlackRock projection. All tokenized asset transactions require compliant settlement attestation.
Stablecoin Issuance by 2028
$2T
McKinsey projection. GENIUS Act creates mandatory compliance layer requirement for U.S. institutions.
Fraud Exposure by Sector (2024)
SectorTotal ExposurePreventable at SettlementPreventable $
Non-Medical Insurance (P&C / Auto / Life / WC)$221.5B~87%~$193B
Credit Card / Payments$145.6B~70%~$102B
Medical Insurance (CMS)$87.1B~100%$87.1B
Government Entitlements (full federal)$162B+~85%~$138B
Banking (BEC / Wire / Check)$30B+~100%$30B+
Combined$646B+~65-80%$470B-$520B
Sources: CAIF 2024 ($221.5B non-medical insurance); CMS HHS FY2024 ($87.1B medical); ABA/FinCEN ($30B+ banking); Mastercard/Nilson ($145.6B CC/payments); GAO + HHS OIG + CMS FY2024 ($162B+ full federal entitlements).
Network Effect Flywheel
Institutions Join
Volume Increases
Verification Data Expands
Fraud Detection Improves
Trust Strengthens
More Institutions Join
$40M raise. Infrastructure-stage entry as The Payment Integrity Network. Year 5 Track 1: $1.776B. Combined 2030: $9.483B.
Market Opportunity - Government Entitlements

$162B+ in federal improper payments. $10.648T retroactive universe.

The federal government reported $162 billion in improper payments in FY2024. The 4-year federal payment universe (FY2021-2024) totals $10.648 trillion across Medicare, Medicaid, CHIP, SSI/SSDI, and 68 federal vendor programs - with $629.9 billion in documented improper payments. Conservative recoverable at 30%: $201 billion.

Every dollar of it flowed through a system that verified the format of the payment instruction - not whether the recipient was alive, eligible, or at a real address on that date. JIL's Investigation Engine is the only system that can reconstruct the exact eligibility status of every benefit recipient on the exact date of every historical payment - and seal the finding with post-quantum cryptographic proof suitable for SSA OIG, HHS ACF, and DOL OIG referral.

4-Year Federal Payment Universe
$10.648T
FY2021-2024 (CMS NHE, SSA, GAO). $629.9B documented improper payments. JIL gross fees: $2.0B-$4.1B.
Annual Improper Payments
$162B+
Full federal improper payments FY2024 (GAO). All addressable at the pre-payment verification layer.
COVID-Era Unrecovered
$135B+
PPP, EIDL, pandemic UI, Provider Relief Fund. FCA statute of limitations closing 2026-2030. Time-sensitive.
Program Annual Improper Payments Primary Fraud Vectors
Medicare FFS (A+B)$261.8B (4yr)7.5% rate (HHS OIG FY2024). Provider enrollment, documentation gaps.
Medicare Advantage$96.0B (4yr)6.0% rate. Risk adjustment coding, phantom services.
Medicaid (federal share)$100.5B+ (4yr)79% caused by missing documentation. True rate 2-4x higher.
SSI / SSDI$7.4B (4yr)Deceased recipients, unreported income, address fraud.
Federal Vendor Payments (68 programs)$84.0B (4yr)~3.0% rate (GAO). Duplicate, ineligible, erroneous.
COVID-Era (unrecovered)$60.0B outstandingPPP, EIDL, pandemic UI, Provider Relief Fund. FCA window closing.
Total (4-Year)$629.9B documented$10.648T payment universe. $201B conservative recoverable (30%).
Entry point - Revenue-share, zero upfront
Three paths to federal revenue: Path A - certified partner channel (60-120 days, 35-50% revenue share). Path B - FCA law firm evidence packages (30-90 days, $25K-$150K/engagement). Path C - direct federal contract (18-24 months). Revenue-share model eliminates the budget authorization barrier entirely.
Revenue Model

Tiered Verdict Engine pricing plus retroactive audit.

Five pricing paths covering every institutional use case. Live real-time verdicts for new payments, retroactive audit for historical payments, and bundled commitments. Every tier runs the same 111-check Verdict Engine - the difference is enrichment, ZKP proofs, and dedicated compliance.

Tier Pricing Use Case
Starter - Real-Time 5 bps / tx Live pre-settlement attestation, 111-check verdict
Pro - Real-Time + Enrichment 7 bps / tx Live + consortium intelligence, cross-institution signals
Enterprise - Full Stack 12 bps / tx Live + ZKP + ML drift + dedicated compliance support
Retroactive Audit 1 bps / historical tx 4+ years of historical payments - 80% discount
Retroactive + Real-Time Bundle 0.5 bps retro + tier Audit plus multi-year commitment to real-time engine
Retroactive Audit - CFO / CRO Hook
Example ROI for a 50M tx/year bank:
50M tx/year x 4 years = 200M historical transactions
Retroactive validation cost: scoped per engagement, starting at 5 bps per record
FWEA findings at 3% exposure: ~$60M
Typical recovery: $12 - $21M
ROI on engagement spend: typical 6 - 10x

Revenue-share option for institutions that cannot pre-fund: 10% of confirmed recovered funds. Zero upfront cost. Self-evidencing in the client's own financials.
Live Settlement Attestation
Live settlement attestation at 35 - 90 bps per event, negotiated by attestation scope, corridor, and monthly volume. $1 minimum floor per event. Every event returns a cryptographic YES / NO / REVIEW verdict with an immutable on-chain attestation receipt.
Revenue Distribution
100% of integrity fees to JIL operations - validator infrastructure, verdict engine, compliance stack, protocol development. 10% of JIL's profits allocated to Human Flourishing: anti-trafficking, financial inclusion, economic empowerment - funded from JIL's own profits, not a tax on clients or vendors.
Financial Projections

Two revenue tracks. A clear path to $9.5B+ by 2030.

Track 1 is the institutional operating model across three federal revenue paths plus core business lines. Track 2 is the fraud prevention attestation opportunity modeled at 1% penetration in 2027 scaling to 3% by 2031.

Track 1 - Institutional Operating Model (Three Federal Paths)
Year Payment Integrity Enterprise / Setup BID API FCA Firms (B) Partner Ch. (A) Direct Fed (C) Total
2026$5.0M$3.0M$1.5M$1.8M$3.8M$0.2M$15.3M
2027$9.0M$6.0M$7.0M$12.6M$28.4M$0.6M$63.6M
2028$20.0M$16.0M$24.0M$41.1M$89.6M$3.9M$194.6M
2029$48.0M$44.0M$68.0M$94.5M$189.2M$143.6M$587.3M
2030$105.0M$100.0M$150.0M$169.0M$312.5M$939.2M$1.776B
Path A = FedRAMP-certified partner channel (35-50% revenue share). Path B = FCA law firm evidence packages ($25K-$150K/engagement). Path C = Direct federal contract (SBIR, CMS pilot, Medicare performance fee). Revenue-share model contributes significantly from 2027 onward.
EBITDA Margin
-12% → ~72%
2026 to 2030
Gross Margin at Scale
~82%
Human Flourishing
10%
of JIL's profits
Track 2 - Fraud Prevention Attestation Revenue
Vertical 2027 2028 2029 2030 2031
Model A - Performance (25% of confirmed fraud prevented)
Banking$81M$146M$243M$365M$525M
Medical Ins.$235M$423M$705M$1.06B$1.52B
Non-Med Ins.$598M$1.08B$1.79B$2.69B$3.86B
CC / Payments$393M$708M$1.18B$1.77B$2.54B
Gov't Entitlements$405M$729M$1.215B$1.822B$2.614B
Perf. Total$1.712B$3.086B$5.133B$7.707B$11.059B
Model B - Fee-for-Service (60 bps midpoint on attested volume)
Banking$97M$175M$292M$438M$630M
Medical Ins.$282M$507M$846M$1.27B$1.82B
Non-Med Ins.$717M$1.29B$2.15B$3.23B$4.63B
CC / Payments$471M$849M$1.41B$2.12B$3.04B
Gov't Entitlements$486M$875M$1.458B$2.186B$3.136B
Fee Total$2.053B$3.696B$6.156B$9.244B$13.256B
Assumptions: 1% fraud exposure penetration in 2027 scaling to 3% by 2031. 8% annual fraud baseline growth. Performance model at 25% midpoint; fee-for-service at 60 bps midpoint. Government entitlements corrected to $162B+ (full federal improper payments).
Sources: CAIF ($221.5B non-medical insurance); CMS HHS FY2024 ($87.1B medical); ABA/FinCEN ($30B+ banking); Mastercard/Nilson ($145.6B CC/payments); GAO + HHS OIG + CMS FY2024 ($162B+ entitlements full federal).
Combined Track 1 + Track 2 (Performance Model)
2026
$15.3M
2027
$1.776B
2028
$3.281B
2029
$5.720B
2030
$9.483B
Proof and Readiness

Operational. Not theoretical.

Platform Status - Live (April 2026)
  • MAINNET Operational - 10 validators live across 13 jurisdictions since February 2026
  • 192 microservices deployed - independently verified across 21 audit categories
  • 98.01% pass rate across 1,040,000+ automated test executions
  • JIL-5600 Rust Ledger - 5,600 TPS sustained, under 2 second latency with deterministic finality
  • Investigation Engine launched - 100M records in 10-20 min, 28 identity dimensions, 5 BID extended checks
  • Independent Code Certification + Pen Testing - completed by third parties
  • Enterprise API Integrations - available and deployed, ISO 20022 gateway operational
Universal Connectivity
14
L1 Chain Bridges (ETH, BTC, SOL, BNB, Polygon + 9 more)
11,500+
SWIFT Banks Reachable via Chainlink CCIP + ISO 20022
20+
Fiat Rail Integrations (Stripe, Visa, Mastercard, Circle, FIS)
6
Compliance API Frameworks (MiCA, DORA, FATF, OFAC, KYC, ISO 20022)
Validator Network
20
Validator Servers (10 Active + 10 Standby)
10
Active Consensus Nodes
14-of-20
BFT Consensus Quorum
13
Compliance Jurisdictions
Reference Documents
The Ask

Infrastructure-stage entry. The required layer of global finance.

We are not betting on trading volume. We are capturing the required layer of global finance: The Payment Integrity Network for $646B+ in annual FWEA exposure across six institutional verticals. 192 services, 10 mainnet validators, 48 patents pending, and the only 111-check verdict engine in production. Year 5 Track 1 revenue: $1.776B.

Total Raise
$40M
$2M bridge + $38M Series A. Infrastructure-stage entry as The Payment Integrity Network
Use of Funds
  • Infrastructure scaling (40%) - validator network expansion to 20+ active nodes, global coverage, latency optimization
  • Enterprise sales (25%) - institutional onboarding, pilot corridor buildout, dedicated account teams
  • Regulatory engagement (20%) - licensing, legal frameworks, compliance certification across jurisdictions
  • Engineering (15%) - core protocol development, BID API expansion, compliance integrations
Why Now
  • GENIUS Act in effect - federal stablecoin framework creates mandatory demand for compliant settlement infrastructure
  • $646B+ annual fraud exposure - across six verticals, all attributable to absent pre-settlement attestation
  • $10.648T retroactive federal TAM - 4-year federal payment universe, $629.9B in documented improper payments
  • 192 services built - operational, not theoretical; 98% pass rate across 1.04M test executions
  • 48 patents pending - defensible moat across settlement architecture, identity verification, and AI monitoring
  • 10 mainnet validators live - across 13 jurisdictions, compliance-zoned, geographically redundant
Strategic allocation available for qualified institutional investors. Contact jmendonca@jilsovereign.com for terms.
JIL Sovereign

Financial systems move money.
JIL Sovereign attests to whether they should.

The Payment Integrity Network for regulated financial institutions. 111 checks. 15 signal categories. Fraud + Waste + Error + Abuse in under 2 seconds.

JIL Sovereign Technologies, Inc.
Name Jeff Mendonca
Title Chief Executive Officer
Email jmendonca@jilsovereign.com
Phone +1 469-887-0000
Address Dallas, TX 75219
Website jilsovereign.com
Retail Platform getjil.com
Incorporation
Delaware Incorporated · Texas HQ · Switzerland · UAE · Singapore
The settlement intelligence layer across 13 regulated jurisdictions.
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